KR20060108155A - System and method for operating payment means data, server and recording medium - Google Patents

Abstract

The present invention provides a storage medium which stores and stores client identification information and payment means data of the client in association. A terminal for requesting payment means data of the client to a server on a network; And interlocking with the storage medium or the storage medium management server (or terminal) to read the payment means data of the client linked to the client identification information and to transmit the read means data of the client to the terminal. It relates to a payment means data management system and method, and a server and a recording medium therefor, comprising a server. As a result, when a predetermined client makes a payment at a predetermined terminal, it is advantageous to receive payment means data of the client stored in the storage medium through the server to the terminal and to conveniently process payment through the payment means data.

Client, payment method, data

Description

System and Method for Operating Payment Means Data, Server and Recording Medium}

1 is a diagram illustrating a functional configuration of a server-based payment means data operating system according to an embodiment of the present invention.

2 is a diagram illustrating a server-based payment means data operating system according to an embodiment of the present invention.

3 is a diagram illustrating a server-based payment means data operating method according to an embodiment of the present invention.

4 is a diagram illustrating a functional configuration of a server-based payment means data operating system according to another embodiment of the present invention.

5 is a diagram illustrating a server-based payment means data operating system according to another embodiment of the present invention.

6 is a diagram illustrating a server-based payment means data operating method according to another embodiment of the present invention.

7 is a diagram illustrating a functional configuration of a client wireless terminal based payment means data operating system according to an embodiment of the present invention.

8 is a diagram illustrating a system for managing payment settlement data based on a client wireless terminal according to an embodiment of the present invention.

9 is a diagram illustrating a method of operating a payment means data based on a client wireless terminal according to an embodiment of the present invention.

10 is a diagram illustrating a functional configuration of a client wireless terminal-based payment means data operating system according to another exemplary embodiment of the present invention.

11 is a diagram illustrating a client wireless terminal based payment means data operating system according to another embodiment of the present invention.

12 is a diagram illustrating a method of operating a payment means data based on a client wireless terminal according to another embodiment of the present invention.

<Description of main parts of drawing>

100: terminal 110: server

115: receiver 120: reader

125: storage medium 130: processing unit

135: transmission unit 400: client wireless terminal

1000: relay server 1005: interface unit

According to the present invention, when client identification information and payment means data of the client are linked to and stored in a predetermined storage medium, and the client requests payment means data of the client to a server on a network, when the client makes a payment through a predetermined terminal, The server reads the payment means data of the client linked to the client identification information in association with the storage medium or the storage medium management server (or terminal), and transfers the read means data of the client to the terminal. To provide a payment method data operation method and system for convenient payment processing by transmitting, and a server and a recording medium therefor.

The conventional electronic payment system has a predetermined payment means in a medium including a magnetic stripe (MS) card and / or an integrated circuit (IC) card and / or an IC chip mounted or detached from a predetermined wireless terminal. When the payment is made through a predetermined terminal, the terminal reads predetermined payment means information from the medium through a predetermined payment means reading device and performs payment processing using the payment means information.

However, not all terminals are provided with a payment means reading device for reading predetermined payment means information from a medium possessed by a client, or a payment means reading apparatus incompatible with a medium possessed by the client. In some cases, there is a problem in that the convenience of the electronic payment system is halved.

The present invention was derived to solve the above problems, and stores and stores the client identification information and the payment means data of the client in a predetermined storage medium, and when the client pays through the predetermined terminal, When the payment means data of the client is requested to a server on a network, the server reads the payment means data of the client linked to the client identification information in association with the storage medium or the storage medium management server (or terminal). And a payment means data operating method and system, a server and a recording medium for transmitting the read means data of the client to the terminal.

Another object of the present invention, when transmitting the payment means data from the server on the network to the terminal, the payment means data characterized in that the processing to process the data to be used in the payment means data platform provided in the terminal to transmit It aims at operating method and system, server and recording medium for it.

The present invention provides a storage medium which stores and stores client identification information and payment means data of the client in association. A terminal for requesting payment means data of the client to a server on a network; And reading payment means data of the client linked to the client identification information in association with the storage medium or the storage medium management server (or terminal), and transmitting the read means data of the client to the terminal. And a client wireless terminal for transmitting identification information of the client to the server, according to an embodiment.

According to an exemplary embodiment of the present invention, the server may process the transmitted payment means data of the client to be used in the payment means data platform provided in the terminal and transmit the processed data to the terminal. According to the present invention, in the storage medium, at least one or more payment means data corresponding to at least one or more different terminal platforms may be stored in the storage medium, and the terminal platform may be read in the payment means data reading process of the client. It is possible to read out corresponding predetermined payment means data.

According to a preferred embodiment of the present invention, the storage medium is provided in the server, or in the client wireless terminal, or in a server on a network, and the server may consist of a single server or a plurality of servers. It is possible to consist of four servers.

According to an embodiment of the present invention, it is preferable that the terminal transmits the identification information of the client to the server. According to another embodiment, the client identification information is predetermined from the terminal to the server (or terminal). After requesting the payment means data of the client, it is possible to be transmitted from the client wireless terminal to the server. In addition, the terminal preferably comprises a wired terminal, and / or a mobile terminal including a mobile phone, a PDA, a portable Internet phone, at least one or more telematics, and / or a television.

According to a preferred embodiment of the present invention, the client identification information is personal identification information, communication means information, authorized certificate information, electronic signature information, member information, the client biometric information, IC chip provided in the client wireless terminal or smart card It is preferable to include at least one information, information contained in the IC chip provided in the client wireless terminal or the smart card, the payment means credit card payment means, debit card payment means, cash card payment means, check card It is preferable to include at least one payment means, financial account payment means.

The method of operating a payment means data according to the present invention comprises the steps of: in a predetermined data storage means for storing the client identification information and the payment means data of the client in a predetermined storage medium; Requesting payment means data of the client from a predetermined terminal to predetermined data reading means; Reading payment means data of the client linked to the client identification information in association with the storage medium or the storage medium management server (or terminal) in a predetermined data reading means; And transmitting the read means data of the client from the predetermined data transmission means to the terminal.

According to a preferred embodiment of the present invention, the payment means data management method further comprises the step of transmitting the identification information of the client from the client wireless terminal or the terminal to the data reading means, and / or The payment means data management method preferably further comprises the step of processing to be used in the payment means data platform provided in the terminal of the payment means data of the client read in a predetermined data processing means. In addition, the payment means data operating method according to the embodiment of the present invention, the payment means data provided in the terminal when reading the payment means data of the client cooperatively processed with the client identification information from the storage medium in the data reading means; It is possible to read the payment instrument data available on the platform.

According to a preferred embodiment of the present invention, the storage medium is provided in the data reading means, in the client wireless terminal, or in a server on a network, and each means is provided in a single server. Or a plurality of servers (and / or terminals).

According to the present invention, a program for executing the payment means data operation method is recorded in a recording medium provided in the payment means data operation system.

The payment means data operation server according to the present invention provides a client identification information in a predetermined terminal, the receiving unit for receiving the payment means data request; Read the payment means data of the client associated with the client identification information in conjunction with the storage medium or the storage medium management server (or terminal) for storing the client identification information and the payment means data of the client in association Reading unit; And a transmission unit for transmitting the read means data of the client to the terminal.

According to an embodiment of the present invention, the payment means data management server is preferably processed to transmit the payment means data of the client to the payment means data platform provided in the terminal to transmit to the terminal, According to an embodiment of the present invention, the payment means data operating method may use the payment means data platform provided in the terminal when reading the payment means data of the client that is processed in association with the client identification information from the storage medium in the data reading means. It is possible to read the means data and transmit it to the terminal.

According to the present invention, a program for executing the payment means data management server function is recorded in a recording medium provided in the payment means data management server.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the preferred embodiment of the present invention described below is described as being provided in the server to the storage medium in order to efficiently describe the technical components constituting the present invention, but the general knowledge in the technical field to which the present invention belongs Those of ordinary skill in the art will readily understand that the storage medium may be provided on a network accessible from the server.

In addition, preferred embodiments of the present invention described below are described as being provided in the server all the functional configuration provided in the server to efficiently describe the technical components constituting the present invention, in the technical field to which the present invention belongs Those skilled in the art, the functional configuration provided in the server is interlocked through a predetermined network and / or communication means in accordance with the intention of those skilled in the art of implementing the present invention (e.g. information or data for the server function realization) It will be apparent that at least two servers (transmitting and receiving each other) may be provided separately.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a functional configuration of a server-based payment means data operating system according to an embodiment of the present invention.

In more detail, FIG. 1 shows a storage medium 125 for storing client identification information and payment means data of the client in association with the storage medium 125 and a server 110 on a network, when the client requests payment means data to the server 110. The payment means data of the client linked to the client identification information in association with the terminal 100 transmitting the predetermined client identification information and the storage medium 125 or the storage server 125 management server (or the terminal) FIG. Is a diagram illustrating a payment means data operating system including a server 110 that reads out and transmits the read payment means data of the client to the terminal 100.

The storage medium 125 is the client identification information and the credit card payment means, debit card payment means, cash card payment means, check card payment issued to the client by a payment means issuing agency that issues a predetermined payment means to the client. And means for linking and storing payment means data of a client including at least one means and at least one financial account payment means, and an institution associated with a payment means management server (or payment means issuer) provided in the payment means issuer. The operating information storage server) performs a function of data storage means for storing client identification information and payment means data of the client in a predetermined storage medium 125.

According to a preferred embodiment of the present invention, the storage medium 125 is provided in the server 110, or in the client wireless terminal 400, or is provided on the network.

The terminal 100 provides a predetermined wired terminal 100-1 including at least one or more personal computers (PCs) or notebooks that provide an online payment service, and / or a wireless payment service. Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or Personal Digital Cellular (PDC) or Personal Handyphone System (PHS) terminal or Personal Digital Assistant (PDA) ) Or a wireless terminal comprising at least one or more of a smart phone or a telematics or wireless data communication terminal or a portable internet terminal, and / or a credit authorization terminal or a contact type (or an electronic payment service). Payment terminal including at least one contactless IC card terminal, and / or automatic teller machine (Aut) a home appliance terminal including a financial terminal including at least one or more omatic teller machine (ATM) or a cash dispenser (CD) and / or a digital television (DTV) for providing home banking and / or home payment services. It comprises at least one.

According to the present invention, the terminal 100 is provided with a payment means data platform for providing a predetermined electronic payment service based on the payment means data of the client that is read from the storage medium 125 is received. The payment means data platform preferably operates on an operating system and / or a virtual machine provided in the terminal 100.

According to a preferred embodiment of the present invention, the payment means data platform is a client of the read and received from the storage medium 125, as the terminal of the conventional electronic payment system reads the payment means information from a predetermined medium to process the payment; It is desirable to have a function to process the payment using the payment means data. For example, if the payment means data platform is a Java Development Kit (JDK) of Sun Microsystems, Inc., which is provided in the terminal 100, the payment means data includes a Java applet running on the JDK. Or if the payment means data platform is a payment program recorded on a recording medium provided in the terminal 100, the payment means data includes a data block for operating the payment program including predetermined payment means information ( Or data files).

In FIG. 1 according to an embodiment of the method for transmitting predetermined client identification information from the terminal 100 to the server 110, the terminal 100 includes predetermined client identification information (eg, personally unique information, communication means). Identification information input means (e.g., keyboard or keypad) for inputting information, member information, and / or client identification information (e.g., public certificate information, electronic signature information, client wireless terminal 400 or smart card) from a predetermined medium. Identification information extraction means (e.g., IC card reader) for extracting information included in the IC chip included in the device), and / or identification information reading for reading predetermined client identification information (e.g., client biometric information) from the client biometrics. Means (e.g., fingerprint recognition module, hand recognition module, iris recognition module, voice recognition module, face recognition module, signature recognition module, retinal recognition module, venous pattern) It is formed by having the module and / or the DNA (Deoxyribo Nucleic Acid) at least one recognition module) is preferred.

According to a preferred embodiment of the present invention, the terminal 100 is a certain payment network 150 (for example, when the terminal 100 is a wired terminal 100-1 connected to the Internet, click the Verified by Visa Alternatively, a predetermined payment server 155 may be provided through a network for providing Internet Secure Payment, or a Value Added Network (VAN) when the terminal 100 is a payment terminal including a credit inquiry terminal. It is preferable to connect to the payment network 150 and / or payment server 155 based on the payment means data of the client to provide a predetermined electronic payment service.

Referring to FIG. 1, the server 110 provides identification information of a client in a predetermined terminal 100 and receives a request for payment means data. The receiving unit 115 receives the client identification information and the client. A read medium for reading payment method data of the client linked to the client identification information in association with the storage medium 125 or the storage medium 125 management server (or terminal) for cooperatively processing and storing the payment means data of the client. And a transmission unit 135 for transmitting the payment means data of the read client to the terminal 100 and outputting the read means data of the client to the terminal. Preferably, the processing unit 130 further comprises a processing unit 130 to be used in the payment means data platform provided in the 100.

The receiving unit 115 connects a predetermined communication channel with the terminal 100 through a network 105 and / or a communication means 105 corresponding to the terminal 100. Through the terminal 100 is characterized in that the request to provide the payment means data of the client.

According to a preferred embodiment of the present invention, the receiver 115 receives a payment means data platform from the terminal 100 in the process of receiving a request for payment means data of a client from the terminal 100 through the communication channel. It is preferable to further receive the information, the payment means data platform information is read from the server 110, the reader 120 reads the payment means of the client corresponding to the payment means data platform, and / or the The processing unit 130 is used in the process of processing the payment means data of the client to be available on the payment means data platform.

In addition, the receiving unit 115 preferably further receives client identification information from the terminal 100, wherein the client identification information is personally unique information, communication means information, authorized certificate information, electronic signature information, member information, the Client biometric information, the IC chip information provided in the client wireless terminal 400 or the smart card, preferably comprises at least one or more information contained in the IC chip provided in the client wireless terminal 400 or the smart card. .

The reader 120 reads predetermined payment means data processed in association with the client identification information from the storage medium 125 based on the client identification information received from the terminal 100. The reading unit 120 interlocks with the storage medium 125 or the storage medium 125 management server (or terminal) to read data of the payment means of the client linked to the client identification information. Performs the function of.

According to an exemplary embodiment of the present invention, when predetermined payment means data associated with predetermined client identification information are stored in the storage medium 125, the reader 120 may perform the payment based on the client identification information. Preferably, the means data is read and provided to the processing unit 130. According to another exemplary embodiment, at least one predetermined payment means data stored in the storage medium 125 corresponds to at least one payment means data platform. In the case of the above-described storing, the reading unit 120 may read predetermined payment means data corresponding to the payment means data platform provided in the terminal 100 and provide the reading means data to the transmission unit 135.

The processor 130 may use the payment means data platform of the client 100 that the payment means data of the client read from the storage medium 125 by the reader 120 is requested to the payment means data. If not, characterized in that the processing process to be used in the payment means data platform provided in the terminal 100, the processing unit 130 is provided with the payment means data of the read in the client terminal 100 It performs the function of the data processing means for processing to be used in the payment means data platform.

According to a preferred embodiment of the present invention, the payment means data comprises a predetermined code data (for example, a Java applet), the code data is not used in the payment means data platform provided in the terminal 100 In this case, the processing unit 130 preferably comprises a parser for parsing the code data to be compatible with the payment means data platform provided in the terminal 100. For this purpose, the processing unit Preferably, 130 further includes a predetermined parsing algorithm that supports parsing between at least two different payment means data platforms.

In addition, the payment means data comprises a predetermined data block (or data file) (for example, data used in the payment program provided in the terminal 100), the data block is provided in the terminal 100 When not used in the payment means data platform, the processing unit 130 changes the format of the data block (or data file) to a format change module for changing to be compatible with the payment means data platform provided in the terminal 100 Preferably, the processing unit 130 further includes data block (or data file) format information for supporting a format change between at least two different payment means data platforms.

In addition, when the payment means data does not include a data structure that can be transmitted through a communication channel connected between the terminal 100 and the server 110, the processing unit 130 is the payment means data to the communication channel It is preferable to include a data change module to cover the data shell (Data Shell) to include a data structure that can be transmitted through, the data shell is preferably removed from the terminal (100).

The transmission unit 135 is processed by the payment means data of the client read by the reader 120 or the processing unit 130 through a communication channel connected between the terminal 100 and the server 110. Characterized in that for transmitting the payment means data of the client to the terminal 100, the transmission unit 135 of the data transmission means for transmitting the read means payment data of the client to the terminal (100) Perform the function.

2 is a diagram illustrating a server-based payment means data operating system according to an embodiment of the present invention.

In more detail, Figure 2 is a server-based payment means data management system as shown in Figure 1, a preferred payment means data management system for the case that the terminal 100 is a wired terminal (100-1) connected to the Internet It is illustrated.

Referring to FIG. 2, the wired terminal 100-1 has a predetermined payment means data platform, is connected to the server 110 via a TCP / IP-based internet, and the wired terminal 100-1. Receives predetermined payment means data available on the payment means data platform from the server 110 at a predetermined payment, and uses the payment means data to define a payment network 150 (eg, online credit card payment) on the Internet. In the case of the payment process through the web server 205 corresponding to the merchant and payment server 155 and payment gateway (Payment Gateway) (not shown) corresponding to the card company.

3 is a diagram illustrating a server-based payment means data operating method according to an embodiment of the present invention.

In more detail, Figure 3 is a preferred method of payment data management method implemented in the server-based payment means data management system as shown in Figure 1, the payment means data of the client from the terminal 100 to the server 110 Upon request, the terminal 100 provides predetermined client identification information to the server 110, and when the server 110 provides payment means data of the client to the terminal 100, the payment means data is stored in the terminal ( It is determined whether the payment means data platform provided in the 100 is available, and according to the determination result processing method for transmitting the processing means data to be available in the payment means data platform provided in the terminal 100 for the embodiment will be. Those skilled in the art to which the present invention pertains can easily infer various payment means data operating methods that can be implemented in the server-based payment means data operating system as shown in FIG. Could be.

Referring to FIG. 3, the terminal 100 determines that payment processing for a predetermined client is performed (300), and if it is determined that payment processing for the client is performed (305), the terminal ( 100 connects a predetermined communication channel between the terminal 100 and the server by connecting to the server 110 through the network 105 and / or communication means 105 connected to (100).

When the communication channel is connected as described above, the server 110 transmits an identification information providing interface to the terminal 100 through the communication channel, so that a predetermined client is provided through the identification information providing interface in the terminal 100. Request to input / extract identification information to the server 110 (315).

When the client identification information is provided as described above, the terminal 100 reads identification information input means and / or identification information extraction means and / or identification information provided in the terminal 100 based on the identification information providing interface. Input / extract predetermined client identification information through means 320 and transmit the input / extracted client identification information and payment means data platform information to the server 110 through the identification information providing interface (325). .

The client identification information transmitted as described above is received by the server 110 through the communication channel, and the server 110 is stored in association with the received client identification information from the storage medium 125 and stored in the predetermined client. Read the payment means data of the (330), the payment means data platform information provided in the terminal 100 is read and the payment means data of the read client is used in the payment means data platform provided in the terminal 100 It is determined whether it is possible (335).

If the payment means data of the client is available in the payment means data platform provided in the terminal 100 (340), the server 110 is connected to the network 105 and / or communication means connected to the terminal 100 The payment means data of the read client is transmitted to the terminal 100 through 105 (345).

On the other hand, if the payment means data of the client is not available in the payment means data platform provided in the terminal 100 (340), the server 110 is provided with the payment means data of the client in the terminal 100 The processing means 350 is processed into a structure available in the payment data platform, and the payment means data of the processed client is transmitted to the terminal 100 through the network 105 and / or the communication means 105 (345). .

4 is a diagram illustrating a functional configuration of a server-based payment means data management system according to another embodiment of the present invention.

In more detail, FIG. 4 illustrates a server-based payment means data management system as shown in FIG. 1, wherein a predetermined client identification is identified from a predetermined client wireless terminal 400 to the server 110 when the client requests payment means data. Figure is a diagram showing a payment means data management system characterized in that the transmission of information.

In FIG. 4 according to an embodiment of the method of transmitting predetermined client identification information from a predetermined client wireless terminal 400 to the server 110, the client wireless terminal 400 includes predetermined client identification information (eg, an individual). Identification information input means (e.g., keyboard or keypad) for inputting unique information, communication means information, member information, and / or client identification information (e.g., certificate information, electronic signature information, client wireless terminal) 400) or identification information extraction means (e.g., IC card reader) for extracting information included in the IC chip included in the smart card, and / or read predetermined client identification information (e.g., client biometric information) from the client biometrics. Outgoing identification information reading means (e.g., fingerprint recognition module, hand recognition module, iris recognition module, voice recognition module, face recognition module, signature) At least one of the expression module, retinal recognition module, venous shape recognition module and / or DNA (Deoxyribo Nucleic Acid) recognition module) is preferably provided.

5 is a diagram illustrating a server-based payment means data operating system according to another embodiment of the present invention.

In more detail, Figure 5 is a server-based payment means data management system as shown in Figure 4, a preferred payment means data management system for the case where the terminal 100 is a wired terminal (100-1) connected to the Internet It is illustrated.

Referring to FIG. 5, the wired terminal 100-1 is provided with a predetermined payment means data platform, connected to the server 110 through a TCP / IP-based internet, and the wired terminal 100-1. Receives predetermined payment means data available on the payment means data platform from the server 110 at a predetermined payment, and uses the payment means data to define a payment network 150 (eg, online credit card payment) on the Internet. In the case of the payment process through the web server 205 corresponding to the merchant and payment server 155 and payment gateway (Payment Gateway) (not shown) corresponding to the card company.

Also. The client wireless terminal 400 that transmits predetermined client identification information to the server 110 at a predetermined payment in the wired terminal 100-1 is connected to a code division multiple access (CDMA) based mobile communication network. Those skilled in the art can easily infer an implementation method in which the client wireless terminal 400 is connected to a wireless data communication network and / or a portable Internet network with reference to FIG. 5. will be.

The mobile communication network includes a client wireless terminal 400 corresponding to an interface device used to terminate a wireless line at a user side, and a base station connected to the wireless terminal through a wireless section to connect a wireless path. (Base Transceiver Station; BTS) 505, and to the base station connecting the base station 505 and the switching center through a wired section and manages network control processes such as polling, selection, recovery, etc. A radio that constitutes an access point for user traffic between a corresponding BTS System Controller (BSC) 510 and a mobile communication network and another Mobile Switching Center (MSC) in the same or another mobile communication network. Switching station 515, Home Location Register (520) / Visitor Location Register (HLR) 520, which registers subscriber locations and / or visitor locations subscribed to the mobile communication network, and voice calls. An interworking function (IWF) 525 that provides line data service and / or packet data service for wireless data communication and connection to another network in one network infrastructure, and the network interworking device 525 ) Is connected to the server 110 through a predetermined gateway 530.

6 is a diagram illustrating a server-based payment means data operating method according to another embodiment of the present invention.

In more detail, FIG. 6 illustrates a preferred payment means data operating method implemented in the server-based payment means data management system as shown in FIG. 4, and the payment means data of the client from the terminal 100 to the server 110. Upon request, the predetermined client identification information is provided from the predetermined client wireless terminal 400 to the server 110, and the payment means data is provided when the payment means data of the client is provided from the server 110 to the terminal 100. Determining whether the payment means data platform provided in the terminal 100 is available, and processing and transmitting the payment means data to be available in the payment means data platform provided in the terminal 100 according to the determination result. It's about how. Those skilled in the art to which the present invention pertains can easily infer various payment means data operating methods that can be implemented in the server-based payment means data operating system as shown in FIG. Could be.

Referring to FIG. 6, the terminal 100 determines that payment processing for a predetermined client is performed (600), and if it is determined that payment processing for the client is performed (605), the terminal ( The server 110 is connected to the server 110 through a network 105 and / or a communication means 105 connected to the server 100 to connect a predetermined communication channel between the terminal 100 and the server (610).

When the communication channel is connected as described above, the terminal 100 provides predetermined client wireless information to provide client identification information to the server 110 and the payment means data platform information provided in the terminal 100 through the communication channel. Providing terminal 400 information (615), the server 110 transmits a predetermined identification information providing interface to the client wireless terminal 400 based on the client wireless terminal 400 information, the client wireless The terminal 400 requests to input / extract predetermined client identification information to the server 110 through the identification information providing interface (620).

When the request for providing the client identification information as described above, the client wireless terminal 400 is based on the identification information providing interface identification information input means and / or identification information extraction means provided in the client wireless terminal 400 and / Or input / extract predetermined client identification information through identification information reading means (625), and transmit the input / extracted client identification information and payment means data platform information to the server 110 through the identification information providing interface. (630).

When the client identification information is received from the client wireless terminal 400 to the server 110, the server 110 processes the predetermined client stored in association with the received client identification information from the storage medium 125. Read payment means data (635), and read the payment means data platform information provided in the terminal 100 to determine whether the payment means data of the read client is available in the payment means data platform provided in the terminal 100 Determine (640).

If the payment means data of the client is available in the payment means data platform provided in the terminal 100 (645), the server 110 is connected to the network 105 and / or communication means connected to the terminal 100 The payment means data of the read client is transmitted to the terminal 100 through 105 (650).

On the other hand, if the payment means data of the client is not available in the payment means data platform provided in the terminal 100 (645), the server 110 is provided with the payment means data of the client in the terminal 100 Process (655) the structure available in the payment means data platform, and transmits the payment means data of the processed client to the terminal 100 via the network 105 and / or communication means 105 (650) .

7 is a diagram illustrating a functional configuration of a client wireless terminal based payment means data operating system according to an embodiment of the present invention.

In more detail, Figure 7 is characterized in that the storage medium 125 for linking and storing the payment means data of the client is provided in the IC chip 750 mounted or detached in the client wireless terminal 400 As a diagram showing a payment means data management system, the client wireless terminal 400 is described using a CDMA-based mobile communication terminal, if the person skilled in the art to which the present invention pertains, The client wireless terminal 400 may easily infer an implementation method corresponding to the wireless data communication terminal and / or the portable Internet terminal.

In terms of hardware, the client wireless terminal 400 includes an external body, a speaker, a microphone, a keypad, a liquid crystal display (LCD), an antenna and a battery 725, and internally, a CDMA (Code). Division Multiple Access (CDMA), a predetermined modem chip (e.g., MSM series modem chip of Qualcomm, Inc.) that incorporates functions such as a modem, a CPU / MPU (Central Processing Unit / Micro Processing Unit), a vocoder, various memory devices, A duplexer filter that separates the transmission and reception signals from one antenna, a power amplifier that amplifies the transmission signal, a high power amplifier (HPA), an isolator that prevents the return of the high output transmission signal, and out of band RF / IF SAW filter for removing unwanted signals, frequency up-circuit in the transmission path, frequency down-conversion in the receive path, and VCTCXO (Voltage Control) for the reference clock source led Temperature Compensated X-tal Oscillator), UHF frequency synthesizer used as local signal of frequency up-down conversion, and codec chip for converting analog voice signal into digital signal. The modem chip is integrated in the modem chip, and in addition to the core components for the mobile communication service, various functions for various multimedia services and / or additional services are directly integrated with the modem chip.

Referring to the hardware configuration of the wireless terminal as described with reference to the functional configuration of the client wireless terminal 400 providing a payment means data management service, as shown in Figure 7 and the control unit 705 and the screen output unit 710 and A key input unit 715, a sound processor 720, a wireless processor 730, a near field communication unit 735, an IC chip reader unit 740, a memory unit 745, and a battery 725 for supplying power.

The control unit 705 includes a processor and execution memory including a CPU / MPU provided in the modem chip in hardware, and provides a predetermined program for providing a function unique to the client wireless terminal 400 from a predetermined memory device. Routine and / or a bus for inputting and outputting program data (BUS) and a predetermined electronic circuit (or integrated circuit) provided for this, characterized in that it comprises a predetermined memory device and / or chipset in software A generic term for program routines and / or program data loaded from the processor into the execution memory and processed by the processor to perform a specific function (hence, in the present invention, the client wireless terminal 400 for payment means data management services). Predetermined program routines recorded on the recording medium are provided in the control unit 705 for convenience. It will be described as being shown.), The various functions to be implemented in the client wireless terminal 400 by the control unit 705 is realized, and also to implement certain functions provided in the client wireless terminal 400 In order to control and manage the overall operation of the client wireless terminal 400. In particular, in order for the controller 705 to control and manage the overall operation of the client wireless terminal 400, the client wireless terminal 400 is an operating system from the memory unit 745 in the process of inputting and booting a predetermined power; The controller 705 is configured by loading routines, system management routines, and / or system variables into the execution memory and being processed by the processor, whereby each functional configuration is operated in the client wireless terminal 400. do.

The screen output unit 710 is a liquid crystal display (LCD) driver for outputting a screen, and a key input unit (e.g., a program routine for outputting predetermined information or data to the LCD). Key data generated through 715, various information, signals, and / or contents (e.g., text content, image content, and / or multimedia) extracted and / or generated in the course of performing a predetermined function included in the wireless terminal. Content) to the LCD, and through the screen output unit 710 and the LCD is provided with a screen output means provided in the wireless terminal.

The key input unit 715 may include at least one key input from a predetermined keypad including a plurality of number keys, character keys, and / or at least one function key. Read a predetermined information or signal corresponding to the data from the data (for example, from a table that stores the information or signal matching the key data) and delivers it to the control unit 705, the key Through the input unit 715 and the keypad is provided the function of the identification information input means provided in the wireless terminal.

The sound processor 720 encodes a predetermined sound signal input from a microphone provided in the wireless terminal and provides the sound signal to the controller 705 or a predetermined sound extracted and / or generated by the controller 705. A signal is decoded and output through a speaker. To this end, the sound processor 720 is provided with a predetermined vocoder and a codec. Sound input means provided in the wireless terminal is provided through the sound processor 720 and a microphone, or sound output means provided in the wireless terminal is provided through the sound processor 720 and a speaker.

The wireless processing unit 730 may be associated with the control unit 705 (eg, a program routine for providing a mobile communication service) for location registration and / or slot mode and / or power control. Or providing a mobile communication service including a hand-off and / or call processing procedure, the base station corresponding to an end of the mobile communication network in the process of providing the mobile communication service; 505) and an RF processing function (eg, antenna control, modulation, synthesis, amplification, and / or filtering of the radio frequency signal) for performing transmission and reception of the radio frequency signal. In particular, the wireless processing unit 730 processes the information or signal transmitted from the wireless terminal to the base station 505 in the CDMA stack or from the CDMA stack received from the base station 505 to provide the mobile communication service. It is characterized by providing a function for reading out predetermined information or signals.

The short-range communication unit 740 may be infrared ray communication and / or radio frequency (RF) communication and / or Bluetooth and / or wireless LAN and / or Wi-Fi, ultra-wideband A terminal (or device) and a short range wireless communication session are connected through at least one short range wireless communication means including an ultra wide band (UWB). The infrared communication, the RF communication, It includes a predetermined short range wireless communication module for short range wireless communication including Bluetooth, WLAN, Wi-Fi, and ultra-wideband communication, and includes a communication protocol and / or a driver for the short range wireless communication in software. .

The memory unit 745 is provided with training information (or code) and / or program data (e.g., program routine (or code)) for controlling the overall operation of the wireless terminal. And / or data collectively referred to as read-only memory (ROM), read-write memory (Flash Memory (FM)), and EEPROM (Electrically Erasable and Programmable Read Only Memory). ) And the like. In general, the ROM stores system information that should not be deleted, and the flash memory stores operating system routines, call processing program routines, and / or application program routines provided through the wireless terminal and information or data therefor. The EEPROM stores terminal registration related parameters, a telephone number (eg, an address book), or at least one information and / or data extracted and / or generated while executing an application provided in the wireless terminal.

The IC chip reader 740 may include information between the payment agent and the IC chip 750 provided in the client wireless terminal 400 through an IC chip standard including ISO / IEC 7816 and / or ISO / IEC 14443. And / or provide data exchange. For example, the IC chip reader unit 740 provides information and / or data exchange between the IC chip agent program and the IC chip 750 through an application protocol data unit (APDU).

Referring to the IC chip standard and the EMV standard including ISO / IEC 7816 and / or ISO / IEC 14443, the IC chip 750 mounted or detached from the client wireless terminal 400 is the IC chip 750. Communicates with the card terminal device through contact points such as power supply (VCC), reset signal (RST), clock signal (CLK), ground (GND), programming power supply (VPP), and / or input / output (I / O). A processor unit 760 including an input / output interface 755, a CPU (Central Process Unit), an MPU (Micro Process Unit), and / or a coprocessor (Coprocessor), and the like. And a memory unit 765 including at least one or more memory elements including Read Only Memory (RAM), Random Access Memory (RAM), Electrically Erasable and Programmable Read Only Memory (EEPROM), Flash Memory (FM), and the like. At least one of the memory elements may contain resources Managed and operated by the chip operating system; is provided with a (Chip Operating System COS), also is provided with at least one IC chip storing information for providing a service using a smart card, at least one of the remaining memory elements.

The IC chip storage information included in the memory unit 765 on the IC chip 750 may include a data storage unit for storing a data set corresponding to data or information read and used by a card terminal program, and / or the card. A data processing unit for storing and driving a program module (for example, JAVA Applet) and the like that can be used by the terminal program is provided. In particular, the program processing unit includes a card configuration (for example, a COS or virtualization of an open smart card. It is part of a Virtual Machine, or it works with card configuration.

According to a preferred embodiment of the present invention, a credit card payment means and / or a debit card payment means and / or a check card payment means issued by a predetermined card company (or financial company) and / Or Prepaid Card payment means and / or Electronic Wallet payment means and / or Electronic Bankbook payment means (e.g. payment means for direct payment transfers from electronic accounts) The financial means includes the data storage unit (eg, information or data corresponding to payment means information) and a data processor (eg, program routines for authentication / encryption and transaction processing of payment means information). Is preferably provided).

Referring to FIG. 7, the client wireless terminal 400 includes a receiving unit 115 for receiving a request for payment means data from a predetermined terminal 100; A reading unit 120 for reading payment means data of a predetermined client from the IC chip 750; And a transmission unit 135 for transmitting the read means data of the client to the terminal 100, and according to an implementation method, transmits the read means data of the client to the terminal. It is preferable that the processing unit 130 further comprises a processing unit 130 to be used in the payment means data platform provided in the 100, the receiving unit 115, the reading unit 120, the transmission unit 135 and the processing unit ( The detailed description of 130 is similar to that described in the payment means operating server in FIG. 1, and thus a detailed description thereof will be omitted.

8 is a diagram illustrating a client wireless terminal based payment means data operating system according to an embodiment of the present invention.

In more detail, FIG. 8 is a payment means data management system based on the client wireless terminal 400 as shown in FIG. 7, wherein the terminal 100 is a wired terminal 100-1 connected to the Internet, and the client wireless terminal. 400 illustrates a preferred payment means data management system for the case that corresponds to a CDMA-based mobile communication terminal. Those skilled in the art to which the present invention pertains can easily infer an implementation method in which the client wireless terminal 400 is connected to a wireless data communication network and / or a portable internet network with reference to FIG. There will be.

Referring to FIG. 8, the terminal 100 and the client wireless terminal 400 are connected by an end-to-end communication channel (or peer-to-peer based communication channel) in which data transmission and reception are not relayed by a predetermined server. Connected, and requests payment means data of the client from the terminal 100 to the client wireless terminal 400 through the communication channel, and the client wireless terminal 400 reads the payment means data of the client to communicate with the client. It transmits to the terminal 100 through a channel.

9 is a diagram illustrating a method of operating a payment means data based on a client wireless terminal according to an embodiment of the present invention.

In more detail, FIG. 9 illustrates a preferred payment means data operating method implemented in the payment means data management system based on the client wireless terminal 400 as shown in FIG. 7, and the client wireless terminal 400 in the terminal 100. The present invention relates to a method of reading and providing payment means data of a client from a predetermined client wireless terminal 400 to the terminal 100 when a client requests payment means data. Those skilled in the art to which the present invention pertains, various payment means data operating method that can be implemented in the payment means data management system based on the client wireless terminal 400 as shown in FIG. It can be easily inferred.

Referring to FIG. 9, the terminal 100 determines that payment processing for a predetermined client is performed (900), and if it is determined that the payment processing for the client is performed (905), the terminal ( 100 connects the end-to-end communication channel (or P2P based communication channel) with the client wireless terminal 400 through the network 105 and / or communication means 105 connected to (100).

When the communication channel is connected as described above, the terminal 100 provides the payment means data platform information provided in the terminal 100 to the client wireless terminal 400 through the communication channel (915), The client wireless terminal 400 requests the client payment means data (920).

When the payment means data of the client is requested as described above, the client wireless terminal 400 confirms the validity of the IC chip storing the payment means data (925), the validation of the IC chip is the IC chip And obtaining confidentiality, authentication, integrity, and nonrepudiation for reading payment method data of the client from the client.

According to a preferred embodiment of the present invention, the validation of the IC chip is input a predetermined Personal Identification Number (PIN) through the key input unit provided in the client wireless terminal 400, the IC chip It is preferable to include a procedure for authenticating the personal identification number.

If the validity of the IC chip is not authenticated (930), the client wireless terminal 400 generates validity error information of the IC chip and transmits the validity error information to the terminal 100 through the communication channel (935). The process of reading the payment means information of the client and transmitting to the terminal 100 ends.

On the other hand, if the validity of the IC chip is authenticated (930), the client wireless terminal 400 reads the payment means data of the client from the IC chip (940), the payment means provided in the terminal 100 The data platform information is read to determine whether the read payment data of the client is available in the payment means data platform provided in the terminal 100 (945).

If the payment means data of the client is available in the payment means data platform provided in the terminal 100 (950), the client wireless terminal 400 is connected to the terminal (100) through a communication channel connected to the terminal (100) In operation 955, the payment means data of the read client is transmitted.

On the other hand, if the payment means data of the client is not available in the payment means data platform provided in the terminal 100 (950), the client wireless terminal 400 transmits the payment means data of the client to the terminal 100 In operation 960, the payment means data of the processed client is transmitted to the terminal 100 through the communication channel (955).

FIG. 10 illustrates a functional configuration of a client wireless terminal based payment means data operating system according to another exemplary embodiment of the present invention.

In more detail, in FIG. 10, as shown in FIG. 7, an IC chip 750 mounted or detached from the client wireless terminal 400 is provided with a storage medium 125 that stores and processes payment means data of the client in association with the client. In the payment means data management system, characterized in that the terminal 100 and the client wireless terminal 400 is relayed through a predetermined relay server 1000, the method of payment data of the client This is for the case where the relay server processes the processing to be available in a predetermined payment means data platform provided in the terminal 100. Those skilled in the art to which the present invention pertains, with reference to this figure 10, the client wireless terminal 400 and the implementation method corresponding to a wireless data communication terminal and / or a portable Internet terminal and / or of the client It is possible to easily infer an implementation method in which payment means data is processed in the client wireless terminal 400.

In FIG. 10, the functional configuration of the client wireless terminal 400 is similar to that of FIG. 7, and data between the terminal 100 and the client wireless terminal 400 is included in the network 105 and / or the communication means 105. The interface means 1005 performing the relay transmission and the payment means data of the client read from the client wireless terminal 400 is not available in the payment means data platform provided in the terminal 100, the payment means There is a relay server 1000 having a processing unit 130 for processing the data to be available in the payment means data platform provided in the terminal 100.

11 is a diagram illustrating a client wireless terminal based payment means data operating system according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates a payment method data management system based on a client wireless terminal 400 as shown in FIG. 10, wherein the terminal 100 is a wired terminal 100-1 connected to the Internet, and the client wireless terminal. 400 corresponds to a CDMA-based mobile communication terminal, and the terminal 100 and the client wireless terminal 400 illustrate a preferred payment means data management system for the case where the relay is connected through a predetermined relay server 1000. It is. Those skilled in the art to which the present invention pertains can easily infer an implementation method in which the client wireless terminal 400 is connected to a wireless data communication network and / or a portable Internet network with reference to FIG. There will be.

11, the terminal 100 and the client wireless terminal 400 is connected to a relay channel by a predetermined relay server 1000, the terminal 100 to the relay server 1000 of the client When requesting payment means data, the relay server 1000 receives the payment means data of the client from the client wireless terminal 400 and relays the data to the terminal 100.

12 is a diagram illustrating a method of operating a payment means data based on a client wireless terminal according to another embodiment of the present invention.

In more detail, FIG. 12 illustrates a preferred payment means data management method implemented in the payment means data management system based on the client wireless terminal 400 as shown in FIG. 10. The terminal 100 and the client wireless terminal ( 400 is connected to a relay through a predetermined relay server 1000, and the relay server 1000 processes the payment means data of the client. Those skilled in the art to which the present invention pertains, various payment means data operating methods that can be implemented in the payment means data management system based on the client wireless terminal 400 as shown in FIG. It can be easily inferred.

Referring to FIG. 12, the terminal 100 determines that payment processing for a predetermined client is performed (1200). If it is determined that the payment processing for the client is performed (1205), the terminal ( The connection server 100 connects the predetermined communication channel with the relay server 1000 through the network 105 and / or the communication means 105 connected to the server 100 (1210).

When the communication channel is connected as described above, the terminal 100 provides the payment means data platform information and the client wireless terminal 400 information provided in the terminal 100 to the relay server 1000 through the communication channel. In operation 1215, the relay server 1000 requests payment means data of the client from the client wireless terminal 400 through the client wireless terminal 400 information.

The client wireless terminal 400 receiving the payment means data of the client checks the validity of the IC chip storing the payment means data (1225), and the validation of the IC chip is performed from the IC chip. A process of securing confidentiality, authentication, integrity, and nonrepudiation for reading payment means data, wherein a predetermined personal identification number (PIN) is input through a key input unit provided in the client wireless terminal 400, and the IC It is preferable to include a procedure for authenticating the personal identification number (PIN) to the chip.

If the validity of the IC chip is not authenticated (1230), the client wireless terminal 400 generates the validity error information for the IC chip to transmit to the relay server 1000 (1235), the relay server 1000 transmits the validity error information to the terminal 100 through the communication channel (1235), thereby terminating the process of reading the payment means information of the client and transmitting it to the terminal 100.

On the other hand, if the validity of the IC chip is authenticated (1230), the client wireless terminal 400 reads the payment means data of the client from the IC chip (1245), and relays the read means data of the read client The server 100 transmits the data to the server 1000 (1250), and the relay server 1000 reads the payment means data platform information provided in the terminal 100 so that the received payment means data of the client is provided in the terminal 100. It is determined whether the payment means data platform is available (1245).

If the payment means data of the client is available in the payment means data platform provided in the terminal 100 (1260), the relay server 1000 is the terminal 100 through a communication channel connected to the terminal 100 In step 1265, the payment means data of the read client is transmitted.

On the other hand, if the payment means data of the client is not available in the payment means data platform provided in the terminal 100 (1260), the relay server 1000 has the payment means data of the client in the terminal 100 In operation 1270, the payment means data of the processed client is transmitted to the terminal 100 through the communication channel (1265).

According to the present invention, when a predetermined client makes a payment at a predetermined terminal, the client receives payment means data of the client stored in the storage medium through the server to the terminal and conveniently processes the payment through the payment means data. .

Claims (26)

A storage medium for linking and storing client identification information and payment means data of the client; A terminal for requesting payment means data of the client to a server on a network; And A server for reading payment means data of the client linked to the client identification information in association with the storage medium or the storage medium management server (or terminal) and transmitting the read means data of the client to the terminal. Payment means data management system, characterized in that comprises a. The method of claim 1, And the client wireless terminal for transmitting identification information of the client to the server. The method of claim 1, wherein the server, The payment means data management system characterized in that the processing is processed to be used in the payment means data platform provided in the terminal to read the client data transmitted to the terminal. The method of claim 1, wherein the storage medium, The payment means data management system, characterized in that provided in the server, or provided in the client wireless terminal, or in a server on the network. The method of claim 1, wherein the terminal, The payment means data management system, characterized in that for transmitting the identification information of the client to the server. The method of claim 1, wherein the terminal, And a wired terminal, and / or a mobile terminal including at least one or more of a mobile phone, a PDA, a portable internet phone, telematics, and / or a television. The method of claim 1, wherein the client identification information, Personal unique information, communication means information, authorized certificate information, electronic signature information, member information, the client biometric information, IC chip information provided in the client wireless terminal or smart card, IC chip provided in the client wireless terminal or smart card Payment means data management system comprising at least one of the information contained in. The method of claim 1, wherein the payment means, A payment means data management system comprising at least one credit card payment means, debit card payment means, cash card payment means, check card payment means, financial account payment means. The method of claim 1, wherein the server, The payment means data management system consisting of a single server or a plurality of servers. Storing client identification information and payment means data of the client in a predetermined data storage means in a predetermined storage medium; Requesting payment means data of the client from a predetermined terminal to predetermined data reading means; Reading payment means data of the client linked to the client identification information in association with the storage medium or the storage medium management server (or terminal) in a predetermined data reading means; And And transmitting the read means data of the client from the predetermined data transmission means to the terminal. The method of claim 10, And transmitting the identification information of the client from the client wireless terminal or the terminal to the data reading means. The method of claim 10, And processing the payment means data of the client read by the predetermined data processing means to be used in the payment means data platform provided in the terminal. The method of claim 10, wherein the storage medium, And the data reading means, the client wireless terminal, or a server on a network. The method of claim 10, wherein the terminal, A wired terminal, and / or a mobile terminal, a PDA, a portable Internet phone, a wireless terminal including at least one or more telematics, and / or a home appliance including a television. The method of claim 10, wherein the client identification information, Personal unique information, communication means information, authorized certificate information, electronic signature information, member information, the client biometric information, IC chip information provided in the client wireless terminal or smart card, IC chip provided in the client wireless terminal or smart card Payment means data management method comprising at least one of the information contained in. The method of claim 10, wherein the payment means, A payment means data management method comprising at least one credit card payment means, debit card payment means, cash card payment means, check card payment means, financial account payment means. The method of claim 10, wherein each of the means, Method of operating a payment means data, characterized in that provided in a single server or a plurality of servers (and / or terminals). A recording medium comprising a program for executing the method of any one of claims 10 to 17. A receiving unit providing identification information of a client in a predetermined terminal and receiving payment means data; Read the payment means data of the client associated with the client identification information in conjunction with the storage medium or the storage medium management server (or terminal) for storing the client identification information and the payment means data of the client in association Reading unit; And And a transmission unit for transmitting the read means data of the client to the terminal. The method of claim 19, wherein the server, The payment means data management server, characterized in that for processing the processing means to be used in the payment means data platform provided in the terminal to read the client to the terminal. The method of claim 19, wherein the storage medium, The payment means data management server, characterized in that provided in the server, provided in the client wireless terminal, or provided in a server on the network. The method of claim 19, wherein the terminal, And a wired terminal, and / or a mobile terminal including at least one or more of a mobile phone, a PDA, a portable internet phone, telematics, and / or a television. The method of claim 19, wherein the client identification information, Personal unique information, communication means information, authorized certificate information, electronic signature information, member information, the client biometric information, IC chip information provided in the client wireless terminal or smart card, IC chip provided in the client wireless terminal or smart card Payment means data management server, characterized in that it comprises at least one information contained in. The method of claim 19, wherein the payment means, Payment means data management server, characterized in that it comprises at least one credit card payment means, debit card payment means, cash card payment means, check card payment means, financial account payment means. The method of claim 19, wherein the server, The payment means data management server comprising a single server or a plurality of servers. A recording medium comprising a program for executing the server function of any one of claims 19 to 25.

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